Civista Bancshares (CIVB) AI Stock Analysis

• Market Cap: $389.22M
• Dividend Yield: 2.71%
• Average Volume (3M): 59.51K
• Price to Earnings (P/E): 11.1
• Beta (1Y): 0.84
• Revenue Growth: 9.51%
• EPS Growth: -2.12%
• Country: US
• Employees: 520
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.66
• Shares Outstanding: 15,519,072
• 10 Day Avg. Volume: 113,927
• 30 Day Avg. Volume: 59,509
• PEG Ratio: 0.77
• Price to Book (P/B): 0.85
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 7.24
• Enterprise Value/Market Cap: 1.85
• Enterprise Value/Revenue: 0.75
• Enterprise Value/Gross Profit: 4.77
• Enterprise Value/Ebitda: 4.58
• 1Y Price Target: $25.67
• Price Target Upside: 2.35% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 4

• Rating: 76 Outperform
• Price Target: $28.00 ▲(11.64%Upside)

Civista Bancshares' strong financial performance and earnings outlook are key strengths, supported by robust profitability and effective cash management. While the technical indicators suggest caution due to overbought conditions, the overall valuation remains attractive. Corporate events signal a positive direction in executive management, though economic uncertainties pose potential risks.

Civista Bancshares Business Overview & Revenue Model

Company Description

Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services. It collects a range of customer deposits; and offers commercial and agriculture, commercial and residential real estate, farm real estate, real estate construction, consumer, and other loans, as well as letters of credit. The company also purchases securities; and provides trust and third-party insurance services. It operates approximately 42 locations in Northern, Central, Southwestern, and Northwestern Ohio, as well as Southeastern Indiana and Northern Kentucky. The company was formerly known as First Citizens Banc Corp and changed its name to Civista Bancshares, Inc. in May 2015. Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio.

How the Company Makes Money

Civista Bancshares primarily generates revenue through interest income from its lending operations, which include commercial, residential, and consumer loans. The interest rates on these loans are a key revenue driver, as they determine the income generated from the borrowing customers. The company also earns from non-interest income sources, such as fees related to deposit accounts, loan services, and other financial products. Additionally, Civista benefits from service charges on deposit accounts, trust fees, and gains from the sale of loans. Partnerships and relationships with local businesses and agricultural entities further enhance its revenue stream by increasing loan demand and expanding its customer base.

Civista Bancshares Financial Statement Overview

Summary

Civista Bancshares exhibits strong revenue growth and profitability, supported by efficient cost management and robust cash flow. The balance sheet is stable though the increase in liabilities should be monitored.

Income Statement

Civista Bancshares has shown robust revenue growth with a TTM (Trailing-Twelve-Months) increase in total revenue. The gross profit margin remains strong, and net profit margin is stable, reflecting efficient cost management. EBIT and EBITDA margins indicate healthy operational efficiency. Overall, the income statement reflects strong profitability and growth momentum.

Balance Sheet

The balance sheet shows a moderate debt-to-equity ratio, indicating a balanced use of leverage. The equity ratio suggests strong asset backing, while the return on equity demonstrates effective use of equity to generate profits. Although liabilities have increased, the overall financial position remains stable.

Cash Flow

Civista Bancshares exhibits strong operating cash flow relative to net income, suggesting effective cash management. The free cash flow has grown, which is a positive sign of financial flexibility. Cash flow from operations is robust, supporting the company's ability to finance investments and dividends.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	244.91M	241.90M	217.48M	152.98M	134.19M	126.18M
Gross Profit	150.78M	146.55M	155.80M	135.28M	123.73M	105.93M
EBITDA	42.02M	47.60M	62.95M	52.79M	51.25M	40.30M
Net Income	35.49M	31.68M	42.96M	39.43M	40.55M	32.19M
Balance Sheet
Total Assets	4.15B	4.10B	3.86B	3.64B	3.01B	2.77B
Cash, Cash Equivalents and Short-Term Investments	361.03M	329.94M	679.90M	660.24M	815.06M	491.69M
Total Debt	471.63M	450.88M	454.19M	643.35M	204.23M	183.34M
Total Liabilities	3.75B	3.71B	3.49B	3.30B	2.66B	2.42B
Stockholders Equity	397.43M	388.50M	372.00M	334.83M	355.21M	350.11M
Cash Flow
Free Cash Flow	46.88M	44.06M	59.27M	18.68M	38.83M	30.68M
Operating Cash Flow	51.11M	48.25M	62.70M	25.18M	40.76M	32.65M
Investing Cash Flow	-245.86M	-258.80M	-311.78M	-410.36M	-130.50M	-340.98M
Financing Cash Flow	234.90M	213.30M	266.13M	164.30M	216.93M	398.80M

Civista Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 25.08
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CIVB, the sentiment is Positive. The current price of 25.08 is above the 20-day moving average (MA) of 22.74, above the 50-day MA of 22.62, and above the 200-day MA of 20.63, indicating a bullish trend. The MACD of 0.54 indicates Negative momentum. The RSI at 70.13 is Negative, neither overbought nor oversold. The STOCH value of 86.48 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CIVB.

Civista Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CIVB	76 Outperform	$389.22M	11.07	9.07%	2.71%	9.51%	-2.12%
NECB	75 Outperform	$346.10M	7.05	15.25%	3.24%	11.43%	10.33%
BCML	74 Outperform	$317.99M	13.76	7.28%	2.77%	2.11%	-5.15%
PBFS	73 Outperform	$323.16M	17.84	6.04%	―	16.29%	-12.22%
CZNC	70 Outperform	$311.44M	11.53	9.83%	5.57%	1.17%	15.00%
FSBW	70 Neutral	$330.60M	9.87	11.82%	2.61%	7.35%	-4.60%
Sector *	67 Neutral	$17.07B	11.91	9.69%	3.75%	11.66%	-9.47%

Civista Bancshares Corporate Events

Civista Bancshares to Announce Q2 2025 Results

On June 27, 2025, Civista Bancshares, Inc. announced that it will release its second quarter 2025 financial results before the market opens on July 24, 2025. The company will also host a conference call and webcast on the same day at 1:00 p.m. Eastern Time to discuss these results, allowing analysts to participate in a question-and-answer session. This announcement is part of Civista’s ongoing communication with stakeholders about its financial performance and strategic direction.

The most recent analyst rating on (CIVB) stock is a Hold with a $18.50 price target. To see the full list of analyst forecasts on Civista Bancshares stock, see the CIVB Stock Forecast page.

Civista Bancshares Enhances Executive Compensation Plans

On June 6, 2025, Civista Bancshares, Inc. amended its Supplemental Nonqualified Retirement Plan (SERP) to increase the retirement benefit for Charles A. Parcher, following his promotion, and added Ian Whinnem as a participant. Additionally, Civista Bank revised its Endorsement Split Dollar Life Insurance Agreement with Parcher, raising the net death benefit to align with his updated SERP benefit. These changes reflect the company’s commitment to enhancing executive compensation and benefits, potentially impacting its competitive positioning in retaining key personnel.

The most recent analyst rating on (CIVB) stock is a Hold with a $18.00 price target. To see the full list of analyst forecasts on Civista Bancshares stock, see the CIVB Stock Forecast page.

Civista Bancshares Engages Investors at Financial Conference

From May 5th to May 7th, 2025, Civista Bancshares‘ senior management will engage with investors at the D.A. Davidson Financial Institutions Conference in Scottsdale, Arizona. This engagement is part of their ongoing efforts to enhance investor relations and potentially strengthen their market positioning.

Civista Bancshares Holds Annual Shareholder Meeting

On April 15, 2025, Civista Bancshares, Inc. held its Annual Meeting of shareholders, where several proposals were presented, including the election of directors and compensation of executive officers. The company reported a strong financial performance for 2024, with a net income of $31.7 million and a 7.7% loan growth. Despite challenges such as regulatory reform and margin contraction, Civista Bancshares increased its shareholder dividend and achieved a total shareholder return of 17.6% in 2024, positioning itself for continued growth and stability in the financial sector.